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SSPP

Total questions: 10

Worksheet time: 6mins

Name
Class
Date
1.

What is our Claim Settlement Ratio?

a)

99.51

b)

99.31

c)

99.41

d)

99.65

2.

Rakesh wants to cater to the increasing liabilities of his life & he would like his life cover amount to increase proportionately. Help him choose the right plan option under Smart Secure Plus Plan

a)

Life cover

b)

Increasing Life Cover

c)

Both a & b

d)

None of the above

3.

Mr. Ram wants to purchase Max Life SSPP. What are the industry first feature that can be pitched for this product?

a)

Nominee’s choice of payout under death benefit

b)

Special Exit Value

c)

Option to skip paying premiums twice and yet remain covered.

d)

All of the above

4.

Mr. Raju, age 33 wants to buy Max Life SSPP with Return of Premium (ROP). What will be the maximum policy term that he can opt for the base cover and accident cover?

a)

67 years for both base cover and accident cover

b)

67 years for base cover and 50 years for accident cover

c)

50 years for both base cover and accident cover

d)

50 years for base cover and 67 years for accident cover

5.

Mr. Arun has taken Max Life SSPP for a sum assured of Rs. 2 crores. He has also opted for Terminal Illness (TI) benefit option. Select the incorrect option in case he is diagnosed with a TI.

a)

Rs. 2 crores will be paid on death and not on diagnosis

b)

TI benefit will accelerate the death benefit

c)

TI Benefit is payable only once during the policy term

d)

Post a TI claim, all premiums falling due from the date of diagnosis of TI would be waived off and the policy shall continue till death of the life insured or the end of the PT, whichever is earlier.

6.

Mr. Reddy has taken increasing life cover option of Max Life SSPP for a sum assured of Rs. 1 crore at the inception. What will be the total sum assured after 5 years?

a)

1 Crore

b)

1.2 Crore

c)

1.5 Crore

d)

2 Crore

7.

Mr. Dinesh, age 40 has taken Max Life SSPP for a policy term of 45 years. In which year, he can claim the special exit value (option to receive all base premiums back)?

a)

In the 30th policy year or 65 years of age whichever is earlier

b)

In the 25th policy year or 65 years of age whichever is earlier

c)

Any time after 25th policy year or 65 years of age whichever is earlier

d)

Any time after 15th policy year or 65 years of age whichever is earlier

8.

Mr Sharma have taken SSPP of 1 crore and his wife Shalini have 50 Lakhs cover as secondary life in joint life option. If Mrs. Shalini die first what is the sum assured payable?

a)

50 Lakhs

b)

1 crore

c)

10 Lakhs

d)

Nothing payable

9.

Mr Sharma and his wife taken SSPP as joint life. Mr Sharma's life cover is 1 crore. What can be the Maxmium cover for his wife.

a)

25 Lakhs

b)

50 Lakhs

c)

1 Crore

d)

40 Lakhs

10.

Which of the following statements is correct?

Statement 1: Increasing life cover is only on Primary Life Holder base cover. 

Statement 2: Premium break cannot be chosen if Joint Life is being chosen

a)

Statement 1 is correct and Statement 2 is incorrect

b)

Statement 2 is correct and Statement 1 is incorrect

c)

Both statements 1 and 2 are correct

d)

Both statements 1 and 2 are incorrect